Salem, Massachusetts Credit Card Processing and Merchant Services

Salem, Massachusetts Credit Card Processing and Merchant Services

So, you're looking for the top payment processing company in Salem, MA? Electronic Merchant Systems offers simple, all-inclusive merchant services.

You're probably dealing with exorbitant processing rates and fees that are wrecking havoc on your bottom line.

Perhaps you'd like to grow your company by accepting credit cards.

We can assist you if this is the case.

Electronic Merchant Systems provides dependable payment processing solutions for your Salem business, whether you need a traditional payment terminal, a mobile payment solution, or an eCommerce payment gateway.

For over 30 years, Electronic Merchant Systems has been helping small businesses just like yours in reaching their full potential.

This includes:

  • Acceptance of all major credit and debit cards is being streamlined
  • Rates and fees on credit cards can be reduced
  • Exceptional 24/7/365 Customer Service
  • Adding email invoicing, contactless payments, or eCommerce to your business

You're our type of business if the factors above strike you as huge growth potential opportunities. We'd be glad to help you achieve your objectives.

The first step is to take action by clicking the button below to seek a consultation.


Do you want to learn more about payment processing options for your company? Or are you interested in learning more about who we are?

In 2019, EMS was rated one of Retail CIO's 10 Most Promising Payment and Card Companies, a Top 20 Most Promising POS Solution Provider in 2020, and a Top 10 provider in CIOReview's Mobile Payment 2021.

We also have over 975 Google Customer Reviews to back up our promises, not to mention a dedicated, 24/7 customer service team.

Scroll down to our table of contents, where we go through the specific advantages of each type of business.

Table of Contents


Top Credit Card Payment Processing for Small Businesses in Salem

When you choose EMS' merchant services, You're making a choice that will make your life as a business owner easier while maintaining quality and speed.

Customers want transactions to be speedy, secure, and frictionless when they spend money on goods and services. That means customers can pay with their credit or debit card by dipping, tapping, or swiping it.

However, just because you require contemporary technology doesn't imply your strategy can't be straightforward; after all, you're selling simplicity and security to your customers.

You can be confident that the information provided by your consumers is safe and secure when you use EMS as your merchant services provider.

For more than ten years EMS has been a certified level 1 PCI provider.

The Payment Card Industry Data Security Standard (PCI DSS) is a collection of guidelines designed to ensure that all businesses that process, store, or transfer credit card data do so in a secure manner.

As a result, you may rest assured that using EMS, as stated above, is completely safe.

As a result, we attempt to relieve all of the burdens connected with payment processing, allowing you to focus on providing excellent service while reaping the benefits of doing so without having to worry about any complications.

We attempt to make the transaction procedure as straightforward as possible so that your customers may focus on what matters most: your products and services.

If your Salem business already uses credit card processing services but needs faster transaction solutions or wants to handle transactions in a more modern way, a new credit card processing system may be required.

So, what does that look like?

Accept Online & In-Person Payments in Salem, Massachusetts


Electronic Merchant Systems will meet your business's needs no matter what they are.

EMS is pleased to provide Salem businesses a variety of secure payment processing options for both online and in-person transactions.

EMS gives businesses the ability to accept all major credit cards with ease, whether they are brick-and-mortar or click-and-mortar online.

By working with us, you'll get a setup that's customized to your needs, as well as access to exclusive tools that will help you save money, improve operations, and increase sales.

The four main business types we provide payment processing for include:

  • Retail stores
  • Restaurants
  • Service-based businesses
  • Online and eCommerce businesses

EMS also has a Surcharge Program where you can require customers who choose to pay with a debit or credit card to also cover the transaction fees that would otherwise be your responsibility. This allows them to still enjoy the convenience of paying with a credit card, at little or no credit card processing fees for you.

Let’s take a look at more detailed payment processing solutions for your type of business.

Salem Retail Store Solutions

Being the owner of a retail store may be extremely stressful. Fortunately, EMS can assist in streamlining processes.

Electronic Merchant Systems is a leading provider of retail point-of-sale systems.

You can accept all major credit cards, including Visa, American Express, Discover, and MasterCard, as well as personalized gift cards, evaluate employee hours, set up low quantity alerts, and much more with EMS' MaxxPay.


Every EMS service offered is designed to help Salem businesses expand and thrive while also making day-to-day operations easier to manage and more convenient.

The payment processing systems featured here are straightforward to use and tailored to meet the specific needs of any retail business.

-Credit Card Terminal: Transactions involving credit cards are important to a company's success. With safe, compact terminals that enable EMV chip cards, contactless payments, and mobile wallets, you can accept both online and in-person payments.

-MaxxPay: MaxxPay POS is a tablet-based point-of-sale system that links a complete store to its consumers in real-time. With an all-in-one Point of Sale solution, you can process payments, manage inventory, and more.

-Gift & Loyalty Cards: Customer retention and acquisition are critical for every small business in Salem. Gift and loyalty cards provide business owners with a quick and easy way to boost sales and attract new consumers.

Restaurant Solutions

As a restaurant owner, your to-do list is likely as long as your cocktail menu.

We understand you have a lot on your plate, from inventory management and product shipping to employee coordination and customer satisfaction.

Payment processing can easily get lost in the shuffle.

That's why Electronic Merchant Systems provides Salem restaurants with user-friendly tools to fulfill their diverse requirements.

best-salem-ma-point-of-sale-system-for-restaurantsWe are very thrilled to provide Total Touch POS to restaurants. Total Touch is a comprehensive point-of-sale system for restaurants that includes features such as:

-Open Table Management: Restaurant operators can manage tables from the front to the back office to reduce long wait times by speeding up checkout.

-Payment Options: Do your customers prefer to split checks by seat or by table? This is easily accomplished with Total Touch, which saves your team time and improves customer satisfaction.

-Easy-to-use interface: An easy-to-navigate interface saves you time, which, as we all know, saves you money. This improves the efficiency of your processes and helps you to turn tables more quickly.

-Online and Mobile Ordering: Food is being ordered online by an increasing number of people in Salem. Your restaurant's sales and efficiency will improve thanks to Total Touch's online and mobile ordering function.

When you partner with EMS, you're giving your customers a superior dining experience. 


Service-Based Business Solutions in Salem, MA

From staff travel to quotations and estimates to the actual delivery of services, a service-based business in Salem has a lot of moving parts.

Electronic Merchant Systems created EMSmobile as a way to make life easier for its customers. EMSmobile is a multi-faceted payment solution that combines a mobile payment software with a virtual terminal to deliver a seamless payment experience.

Receiving payments has never been easier than when you use your mobile device as a complete credit card point of sale.

You're already aware of how important your smartphone is in your daily life. Consider how you may make it work for you as the most effective tool for your company.

Consider this: you'll never have to go looking for clients to collect cash or checks again. You'll never have to wait in line at a bank again.

EMSmobile software transforms an ordinary smartphone into a full credit and debit card acceptance device, allowing you to accept credit and debit card payments from your customer's home or place of business.

Get paid before you start a job, and it will be easier to get compensated for any overtime. We're talking about the simplest way to handle all aspects of client management. It is, in essence, a lifeline for small businesses.

Additional benefits of Electronic Merchant Systems’ Virtual Terminal include:

-Email Invoicing: If your customer needs to leave, give them an email invoice instead. This enables them to make a safe online payment with a single click. You can also use the Merchant Console to see which invoices have been seen and paid.

-Mobile Payments: Use your mobile smart device or tablet to accept payments.

-Secure Vault: Secure storage of customer credit card data for convenient re-use.

-Recurring Billing: For service agreements, set up automatic billing. Any updates will be synced in real-time to all of your EMSmobile devices.

-Business Management Tools: The Merchant Console, EMS' cloud-based tool, allows you to manage the most crucial areas of your organization. You may check the status of email invoices, monitor all transactions, manage inventory, and evaluate sales patterns, among other things.


Online Business Solutions

As an online-only business or one that plans to go online in the near future, you'll need an attractive eCommerce website that allows you to sell products and services while also processing payments. This is where we enter the picture.

A clean, professionally designed website is useful to businesses since it boosts brand viability and reach, develops credibility, and generates more revenue.

Our team at EMS is committed to making the startup process for online Salem small business owners as simple as possible. We offer everything from web design and online store design to ongoing hosting, as well as a secure payment gateway for processing credit and debit card transactions and digital payments over the internet.

You can increase the effectiveness of your online presence while also increasing revenue by partnering with EMS.

The online payment processing alternatives listed below were created with eCommerce operators like you in mind.

-Web Store: Expand customer reach and increase your revenue with an eCommerce shopping cart.

-Web Design: Make life easier by partnering with a dedicated designer to craft your website.

-API Integration: Experience easy integration with an Application Program Interface (API) component.

Powerful Payment Processing You Can Trust

Why Choose EMS as Your Salem Payment Processing Company?

Electronic Merchant Systems in Salem, MA, incorporates everything a business may want in a payment processor.

Exceptional Service & Tools

Top Merchant Services

Our innovative suite of business solutions, superior level of quality service, and dedicated employees increase the financial well-being of our clients.

Every service and product offered by EMS is intended to help your business thrive and grow.


Highly Reviewed Credit Card Processing

Did you know EMS has more than 975 Google Customer Reviews with an average 4.7-star rating? For a Merchant Services business that has been around for over 30 years, that is phenomenal.

24/7 Customer Support

Best Customer Support Payment Processor

You’ll most likely never have to worry about calling our industry-recognized customer service, but if you find yourself calling EMS customer service, you’ll be greeted by a real person.

We have a knowledgeable, US-based team of customer service representatives that is accessible to our Merchants 24/7/365 by phone, email, and live chat.


Payment Processing Near Me

As a payment processor, we are essentially a security consultant to your data. EMS takes business and customer security extremely seriously. How seriously? Well, for more than ten years EMS has been a certified level 1 PCI provider.

When you accept cards, PCI compliance goes a long way in regards to peace of mind.

Our Philosophy

Merchant Services Near Me

Electronic Merchant Systems strongly believes in No Good Merchant Left Behind. If you are confident in your service or product, EMS wants to help you succeed with the right payment processing tools.


start-accepting-credit-cards-in-salem-ma-todayFrequently Asked Questions

1. How Do I know Which Payment Processing Company to Pick?

You want to make sure that the credit card processing company you choose for your business has a lot of experience and understanding in the field, as well as reasonable pricing, good customer service, expanded functionality, and security. Don't limit yourself to the biggest payment processors, the cheapest credit card processing, or the most widely used credit card reader.

Sifting through a plethora of credit card processing firms and selecting the best one is critical, and it could result in a lower credit card processing rate.

2. What exactly is a Merchant Account?

A merchant account enables your company to accept credit and debit cards, as well as to transmit payments from credit card purchases.

When a consumer makes a purchase at your business using a credit or debit card, your merchant account works in the background to remove funds from the customer's bank account and deposit them into your business account.


3. Can my business qualify for a merchant account?

The merchant account application process may differ depending on your individual business type and the associated risk that the credit card networks have allocated and implemented.

However, the majority of merchant businesses are eligible for a merchant account.


4. How do merchants typically get burned by their payment processing provider?

Unfortunately, some providers take advantage of business owners just like you by implementing the following:

• Hidden fees and lack of transparent pricing
• Lack of overall security
• Poor customer service
• Solutions/Payment methods that don't fit your business model


5. How can EMS help my business compete with the big companies?

It's one thing to compete against other small businesses, but your merchant services provider should also equip you with tools to help you compete against big-box retailers.

You need a credit card processor that can help you enhance your brand by providing a comprehensive range of business merchant services, regardless of the size of your company. Inquire about EMS gift cards, loyalty programs, and other services like web hosting and design.


6. What if I need help with funding?

That is something we can surely assist with. A funding program called BizFunds is one of the extra features that EMS provides.

To help Salem businesses raise financing, we will purchase a pre-determined quantity of future sales volume.

The best aspect is that you pay an agreed-upon percentage of your daily sales until the merchant cash advance is paid in full, rather than a fixed monthly payment.


7. What is the Cost of Payment Processing?

The cost of accepting credit cards varies. When you sign a contract with your payment processor, it's vital that you pay attention to the fees that will be charged.

Before you sign a contract with your payment processor, make sure you understand the fees you'll be charged. Also, inquire about the full procedure.


8. What types of payment can I accept?

Small businesses can accept both standard stripe and EMV chip cards through payment processing.

For seamless payments and quick email invoicing, mobile credit card processing is a wonderful alternative for service-based businesses without a brick-and-mortar site.


9. What type of POS Equipment do I need?

This is entirely dependent on your business model and operations. The type of credit card terminal you choose is mostly determined by the types of payments you want to accept and how you want to accept them.

If you actually want to manage your complete business, including ringing up numerous goods, tracking inventory, managing staff, and more, you should utilize a POS system.

A countertop terminal may be your best bet if you exclusively accept payments from a physical, brick-and-mortar site.

A mobile POS system is ideal for accepting payments at events such as trade shows, festivals, and farmers' markets.

You'll want to talk about a virtual terminal for phone payments and bills.


Choose the Best Merchant Services and Credit Card Processing Solutions in Salem


We take pride in the dependability, security, and trustworthiness of our services at Electronic Merchant Systems. One of the many reasons that EMS has such a positive connection with our Salem retailers is because of this type of help.

The term "no good merchant left behind" is more than a slogan at EMS. Our financial institution is aware of your company's needs and is dedicated to aiding you in reaching your goals.

We are much more than basic merchant credit card services. At EMS, we are dedicated to handling all of your credit card processing needs, including:

  • Providing the top payment processing tools and opportunities
  • Increasing your cash flow
  • eCommerce, email invoicing, contactless payment options
  • Streamlining your business operations
  • Providing the best credit card rates
  • Minimizing your exposure to fraud losses

Don’t continue with out-of-date terminals or extremely slow transaction times that could alienate your customers.

Instead, choose EMS - where we offer Salem businesses the most updated payment processing solutions that are simple and effective.

As we previously mentioned, just take a look at our 975+ Google Customer Reviews and you'll notice that we excel at providing outstanding products and services to business owners just like you.

We stand by the quality of our product, but if you have any questions or issues, you can rest assured that our customer service team is available to help you 24 hours a day, seven days a week.

If you are looking for the best Salem, Massachusetts payment processing solutions, please fill out the form below to get a consultation.


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